Vash is a parnership with the VA and HUD, when the tenant part is 30% that includes utilities, say the tenant has $1000 income, their portion will be $300, but the heat and water etc is in that number,there is a chart for each expense tenant expected to pay , say $50 electric, $50 water, $50 gas, numbers may be different that means tenant pays landlord difference which in this case is $150, vash pays the difference to the landlord, so the hud check is generally much more than 70%, if a tenant has no income they can but up to 100% from VASH

The mortgage document is recorded in the land records so the public is on notice that there is a lien on the property.An "amortization chart" is a spreadsheet with all the payments listed with the breakdown of interest vs principal.